Estate Enhancement Death Benefit

Available during accumulation phase only. Upon death of annuitant, Issuer will add 40% of earnings (35% if annuitant's age is between 61 to 70 and 30% if annuitant's age is between 71 to 80) to any death benefit payable under contract. Earnings are equal to sum of Fixed Account Value, Variable Account Value and all withdrawals from contract, minus total purchase payments. Benefit base can never be more than 100% (60% if annuitant's age is between 61 to 70 and 40% if annuitant's age is between 71 to 80) of total purchase payments net of withdrawals. If purchase payments exceed sum of Fixed Account Value, Variable Account Value and all withdrawals from contract, no estate enhancement death benefit will be paid.